I got caught in the same thunderstorms about 4 miles from home and it was like being hit by a firehose. Unfortunately where I was there was no shelter (cowering under trees seemed like a bad idea in a lightening storm) so I just plugged on. I of course left my bike cape at home not expecting rain, but it was a warm day so no big deal. Although that transition from hot and sweaty to rain soaked was a little cold. I still made good time and every time it rains I love my fenders more. I still get wet and a little dirty, but nothing like I would without them. I agree rain really isn't that big a deal, but people around here do get weird about it.